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First United National Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9519%3,958
Cost of funding earning assets0.2921%2,479
Net interest margin2.6597%3,944
Noninterest income to average assets0.3107%3,548
Noninterest expense to average assets2.2358%2,980
Loan and lease loss provision to assets-0.0260%4,252
Net operating income to assets0.5356%4,006
Return on assets (ROA)0.5473%4,036
Pretax return on assets0.6477%4,038
Return on Equity (ROE)7.2073%3,459
Retained earnings to average equity (ytd only)3.7262%3,329
Net charge-offs to loans-0.0048%3,548
Credit loss provision to net charge-offs1,100.0000%496
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.6248%895
Assets per employee ($millions)5.4063%3,348
Cash dividends to net income (ytd only)*48.3001%1,611
Condition Ratios (%)
Loss allowance to loans1.0694%3,479
Loan loss allowance to noncurrent loans158.8341%2,900
Noncurrent assets plus other real estate owned to assets0.3668%1,758
Noncurrent loans to loans0.6733%1,486
Net loans and leases to total assets46.6222%3,642
Net loans and leases to deposits50.3579%3,859
Net loans and leases to core deposits51.3617%3,939
Total domestic deposits to total assets92.5816%83
Equity capital to assets7.1753%4,686
Core capital (leverage) ratio7.5588%4,582
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.7416%1,109
Memoranda:
Average total assets$338,577,0002,253
Average earning assets$322,441,2002,220
Average equity$25,710,0002,800
Average total loans$166,132,4002,502
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9729%4,054
Cost of funding earning assets0.3008%2,585
Net interest margin2.6721%4,024
Noninterest income to average assets0.3141%3,543
Noninterest expense to average assets2.2848%2,791
Loan and lease loss provision to assets-0.0271%4,381
Net operating income to assets0.5047%4,192
Return on assets (ROA)0.5204%4,208
Pretax return on assets0.6178%4,211
Return on Equity (ROE)6.7559%3,727
Retained earnings to average equity (ytd only)3.2928%3,801
Net charge-offs to loans-0.0072%3,550
Credit loss provision to net charge-offs755.5556%612
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.9750%746
Assets per employee ($millions)5.5270%3,169
Cash dividends to net income (ytd only)*51.2605%1,140
Condition Ratios (%)
Loss allowance to loans1.0926%3,474
Loan loss allowance to noncurrent loans167.4766%2,776
Noncurrent assets plus other real estate owned to assets0.3517%2,024
Noncurrent loans to loans0.6524%1,680
Net loans and leases to total assets45.8599%3,806
Net loans and leases to deposits49.6786%4,020
Net loans and leases to core deposits50.6648%4,100
Total domestic deposits to total assets92.3132%76
Equity capital to assets7.4179%4,726
Core capital (leverage) ratio7.4993%4,701
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.3826%1,520
Memoranda:
Average total assets$335,368,2502,287
Average earning assets$319,146,5002,258
Average equity$25,833,7502,829
Average total loans$166,263,7502,538
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9253%4,182
Cost of funding earning assets0.3120%2,661
Net interest margin2.6134%4,141
Noninterest income to average assets0.3134%3,550
Noninterest expense to average assets2.3174%2,712
Loan and lease loss provision to assets-0.0358%4,478
Net operating income to assets0.4343%4,328
Return on assets (ROA)0.4568%4,331
Pretax return on assets0.5418%4,323
Return on Equity (ROE)5.8524%3,945
Retained earnings to average equity (ytd only)2.3737%4,024
Net charge-offs to loans-0.0012%3,111
Credit loss provision to net charge-offs5,900.0000%111
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.8627%622
Assets per employee ($millions)5.3196%3,333
Cash dividends to net income (ytd only)*59.4415%938
Condition Ratios (%)
Loss allowance to loans1.0872%3,471
Loan loss allowance to noncurrent loans159.0949%2,786
Noncurrent assets plus other real estate owned to assets0.3523%2,185
Noncurrent loans to loans0.6833%1,713
Net loans and leases to total assets47.1792%3,808
Net loans and leases to deposits51.0755%4,043
Net loans and leases to core deposits52.1054%4,129
Total domestic deposits to total assets92.3716%75
Equity capital to assets7.3811%4,771
Core capital (leverage) ratio7.6224%4,668
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$329,249,3332,313
Average earning assets$312,852,0002,275
Average equity$25,698,6672,831
Average total loans$167,015,0002,535
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0571%3,972
Cost of funding earning assets0.3284%2,720
Net interest margin2.7287%3,904
Noninterest income to average assets0.2991%3,618
Noninterest expense to average assets2.4026%2,480
Loan and lease loss provision to assets-0.0100%4,579
Net operating income to assets0.4175%4,330
Return on assets (ROA)0.4175%4,360
Pretax return on assets0.4947%4,359
Return on Equity (ROE)5.1964%4,055
Retained earnings to average equity (ytd only)1.7218%4,070
Net charge-offs to loans-0.0095%3,650
Credit loss provision to net charge-offs200.0000%884
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.2110%638
Assets per employee ($millions)5.1186%3,512
Cash dividends to net income (ytd only)*66.8657%769
Condition Ratios (%)
Loss allowance to loans1.0968%3,451
Loan loss allowance to noncurrent loans141.7498%2,867
Noncurrent assets plus other real estate owned to assets0.4034%2,190
Noncurrent loans to loans0.7737%1,692
Net loans and leases to total assets50.0601%3,622
Net loans and leases to deposits54.3328%3,916
Net loans and leases to core deposits55.4717%4,011
Total domestic deposits to total assets92.1361%120
Equity capital to assets7.6207%4,667
Core capital (leverage) ratio8.1121%4,472
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$320,987,5002,336
Average earning assets$304,467,0002,303
Average equity$25,787,0002,813
Average total loans$168,059,5002,528
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5345%3,955
Cost of funding earning assets0.4087%3,527
Net interest margin3.1257%3,567
Noninterest income to average assets0.3450%3,398
Noninterest expense to average assets2.6209%2,481
Loan and lease loss provision to assets0.0056%4,283
Net operating income to assets0.5666%3,854
Return on assets (ROA)0.5666%3,957
Pretax return on assets0.6883%3,905
Return on Equity (ROE)6.2298%3,508
Retained earnings to average equity (ytd only)1.2875%4,111
Net charge-offs to loans0.0655%1,845
Credit loss provision to net charge-offs14.2857%3,246
Earnings coverage of net charge-offs (x)17.7232%2,064
Efficiency ratio79.0678%955
Assets per employee ($millions)4.7579%3,652
Cash dividends to net income (ytd only)*79.3337%654
Condition Ratios (%)
Loss allowance to loans1.1037%3,446
Loan loss allowance to noncurrent loans182.0059%2,500
Noncurrent assets plus other real estate owned to assets0.3822%2,457
Noncurrent loans to loans0.6064%2,182
Net loans and leases to total assets53.6323%3,523
Net loans and leases to deposits58.7299%3,849
Net loans and leases to core deposits60.1498%3,936
Total domestic deposits to total assets91.3203%155
Equity capital to assets8.4779%4,459
Core capital (leverage) ratio8.3805%4,322
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$286,082,6002,365
Average earning assets$271,807,2002,334
Average equity$26,020,2002,739
Average total loans$171,109,4002,478
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5780%4,071
Cost of funding earning assets0.4199%3,704
Net interest margin3.1581%3,602
Noninterest income to average assets0.3606%3,309
Noninterest expense to average assets2.6558%2,374
Loan and lease loss provision to assets0.0004%4,237
Net operating income to assets0.5751%3,846
Return on assets (ROA)0.5751%3,940
Pretax return on assets0.7021%3,895
Return on Equity (ROE)6.2069%3,478
Retained earnings to average equity (ytd only)1.8995%3,963
Net charge-offs to loans0.0690%1,630
Credit loss provision to net charge-offs1.1236%3,004
Earnings coverage of net charge-offs (x)16.5955%2,053
Efficiency ratio79.0793%933
Assets per employee ($millions)4.6081%3,717
Cash dividends to net income (ytd only)*69.3962%846
Condition Ratios (%)
Loss allowance to loans1.0647%3,390
Loan loss allowance to noncurrent loans155.2588%2,638
Noncurrent assets plus other real estate owned to assets0.4031%2,567
Noncurrent loans to loans0.6858%2,074
Net loans and leases to total assets56.8290%3,541
Net loans and leases to deposits62.4468%3,900
Net loans and leases to core deposits64.0692%4,007
Total domestic deposits to total assets91.0040%174
Equity capital to assets8.6087%4,395
Core capital (leverage) ratio8.4786%4,314
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$280,287,5002,377
Average earning assets$266,064,0002,348
Average equity$25,970,5002,736
Average total loans$171,957,7502,469
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7063%4,076
Cost of funding earning assets0.4245%3,927
Net interest margin3.2819%3,431
Noninterest income to average assets0.3782%3,213
Noninterest expense to average assets2.7488%2,222
Loan and lease loss provision to assets0.0132%4,057
Net operating income to assets0.5934%3,763
Return on assets (ROA)0.5934%3,842
Pretax return on assets0.7278%3,804
Return on Equity (ROE)6.2394%3,421
Retained earnings to average equity (ytd only)1.9151%3,794
Net charge-offs to loans0.0947%1,315
Credit loss provision to net charge-offs22.2222%2,724
Earnings coverage of net charge-offs (x)12.4568%2,051
Efficiency ratio78.7668%980
Assets per employee ($millions)4.5588%3,710
Cash dividends to net income (ytd only)*69.3069%960
Condition Ratios (%)
Loss allowance to loans1.0772%3,198
Loan loss allowance to noncurrent loans148.1132%2,618
Noncurrent assets plus other real estate owned to assets0.4860%2,378
Noncurrent loans to loans0.7273%2,060
Net loans and leases to total assets59.2976%3,399
Net loans and leases to deposits65.2721%3,780
Net loans and leases to core deposits66.9327%3,928
Total domestic deposits to total assets90.8467%190
Equity capital to assets8.9463%4,132
Core capital (leverage) ratio9.0304%3,871
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$272,338,3332,400
Average earning assets$258,207,0002,370
Average equity$25,900,0002,726
Average total loans$171,044,6672,460
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9845%3,837
Cost of funding earning assets0.4300%4,236
Net interest margin3.5545%2,806
Noninterest income to average assets0.4645%2,729
Noninterest expense to average assets2.8969%2,133
Loan and lease loss provision to assets0.0716%2,841
Net operating income to assets0.6930%3,299
Return on assets (ROA)0.6930%3,367
Pretax return on assets0.8575%3,261
Return on Equity (ROE)7.0545%2,921
Retained earnings to average equity (ytd only)2.7133%3,194
Net charge-offs to loans0.1561%829
Credit loss provision to net charge-offs71.2121%1,974
Earnings coverage of net charge-offs (x)9.2424%1,827
Efficiency ratio75.7166%1,596
Assets per employee ($millions)4.0662%3,833
Cash dividends to net income (ytd only)*61.5385%1,362
Condition Ratios (%)
Loss allowance to loans1.1320%3,033
Loan loss allowance to noncurrent loans184.2407%2,193
Noncurrent assets plus other real estate owned to assets0.4117%2,811
Noncurrent loans to loans0.6144%2,452
Net loans and leases to total assets63.7422%3,097
Net loans and leases to deposits70.8148%3,531
Net loans and leases to core deposits72.8052%3,711
Total domestic deposits to total assets90.0126%317
Equity capital to assets9.8138%3,948
Core capital (leverage) ratio9.7175%3,748
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$262,625,5002,413
Average earning assets$248,362,5002,381
Average equity$25,799,0002,721
Average total loans$169,120,5002,461
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0436%4,156
Cost of funding earning assets0.4471%4,279
Net interest margin3.5965%3,145
Noninterest income to average assets0.3759%3,449
Noninterest expense to average assets2.6853%2,925
Loan and lease loss provision to assets0.0358%3,296
Net operating income to assets0.8672%3,328
Return on assets (ROA)0.8672%3,418
Pretax return on assets1.0677%3,273
Return on Equity (ROE)9.0114%2,752
Retained earnings to average equity (ytd only)3.2621%3,382
Net charge-offs to loans0.0883%1,854
Credit loss provision to net charge-offs63.5135%2,998
Earnings coverage of net charge-offs (x)19.5946%1,988
Efficiency ratio70.8748%2,036
Assets per employee ($millions)4.0146%3,883
Cash dividends to net income (ytd only)*63.7999%1,396
Condition Ratios (%)
Loss allowance to loans1.1600%2,642
Loan loss allowance to noncurrent loans185.0760%2,210
Noncurrent assets plus other real estate owned to assets0.4376%2,645
Noncurrent loans to loans0.6268%2,322
Net loans and leases to total assets63.5730%3,249
Net loans and leases to deposits70.6183%3,615
Net loans and leases to core deposits72.6222%3,819
Total domestic deposits to total assets90.0233%311
Equity capital to assets9.8333%4,075
Core capital (leverage) ratio9.5363%4,020
Tier 1 risk-based capital ratio17.4875%1,897
Total risk-based capital ratio18.7383%1,851
Memoranda:
Average total assets$262,802,2002,381
Average earning assets$249,384,8002,343
Average equity$25,290,2002,696
Average total loans$167,568,4002,432
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0413%4,282
Cost of funding earning assets0.4384%4,372
Net interest margin3.6029%3,240
Noninterest income to average assets0.3783%3,447
Noninterest expense to average assets2.6006%3,167
Loan and lease loss provision to assets0.0238%3,422
Net operating income to assets0.9638%3,106
Return on assets (ROA)0.9638%3,188
Pretax return on assets1.1750%3,061
Return on Equity (ROE)10.0694%2,400
Retained earnings to average equity (ytd only)5.6300%2,553
Net charge-offs to loans0.0708%1,812
Credit loss provision to net charge-offs52.8090%2,767
Earnings coverage of net charge-offs (x)26.5963%1,736
Efficiency ratio68.4484%2,350
Assets per employee ($millions)4.1901%3,631
Cash dividends to net income (ytd only)*44.0883%1,966
Condition Ratios (%)
Loss allowance to loans1.1653%2,688
Loan loss allowance to noncurrent loans217.9088%1,970
Noncurrent assets plus other real estate owned to assets0.3434%3,146
Noncurrent loans to loans0.5348%2,686
Net loans and leases to total assets61.9582%3,500
Net loans and leases to deposits68.6661%3,868
Net loans and leases to core deposits70.6438%4,022
Total domestic deposits to total assets90.2311%231
Equity capital to assets9.6574%4,329
Core capital (leverage) ratio9.5515%4,112
Tier 1 risk-based capital ratio17.8905%1,853
Total risk-based capital ratio19.1414%1,796
Memoranda:
Average total assets$263,265,5002,390
Average earning assets$249,979,5002,355
Average equity$25,197,7502,716
Average total loans$167,500,5002,458
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0349%4,307
Cost of funding earning assets0.4251%4,414
Net interest margin3.6097%3,222
Noninterest income to average assets0.3662%3,485
Noninterest expense to average assets2.5119%3,436
Loan and lease loss provision to assets0.0023%3,660
Net operating income to assets1.0419%2,761
Return on assets (ROA)1.0419%2,832
Pretax return on assets1.2789%2,639
Return on Equity (ROE)10.9196%2,012
Retained earnings to average equity (ytd only)6.4412%2,084
Net charge-offs to loans0.0574%1,827
Credit loss provision to net charge-offs6.2500%2,708
Earnings coverage of net charge-offs (x)34.9167%1,341
Efficiency ratio66.2233%2,784
Assets per employee ($millions)4.0690%3,779
Cash dividends to net income (ytd only)*41.0125%2,163
Condition Ratios (%)
Loss allowance to loans1.1687%2,675
Loan loss allowance to noncurrent loans195.1098%2,189
Noncurrent assets plus other real estate owned to assets0.3853%2,961
Noncurrent loans to loans0.5990%2,477
Net loans and leases to total assets62.5094%3,492
Net loans and leases to deposits69.3531%3,895
Net loans and leases to core deposits71.2145%4,051
Total domestic deposits to total assets90.1321%300
Equity capital to assets9.6924%4,238
Core capital (leverage) ratio9.5193%4,123
Tier 1 risk-based capital ratio17.6800%1,887
Total risk-based capital ratio18.9311%1,839
Memoranda:
Average total assets$261,631,3302,410
Average earning assets$248,384,0002,370
Average equity$24,964,3302,729
Average total loans$167,297,0002,470
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9788%4,411
Cost of funding earning assets0.4048%4,462
Net interest margin3.5740%3,351
Noninterest income to average assets0.3628%3,426
Noninterest expense to average assets2.6241%3,145
Loan and lease loss provision to assets0.0707%2,246
Net operating income to assets0.8639%3,382
Return on assets (ROA)0.8639%3,432
Pretax return on assets1.0607%3,265
Return on Equity (ROE)9.1275%2,754
Retained earnings to average equity (ytd only)4.5800%3,092
Net charge-offs to loans0.0980%1,158
Credit loss provision to net charge-offs112.1951%1,479
Earnings coverage of net charge-offs (x)17.9512%1,642
Efficiency ratio69.8731%2,361
Assets per employee ($millions)4.1802%3,657
Cash dividends to net income (ytd only)*49.8221%1,628
Condition Ratios (%)
Loss allowance to loans1.2004%2,571
Loan loss allowance to noncurrent loans195.7073%2,225
Noncurrent assets plus other real estate owned to assets0.4055%2,962
Noncurrent loans to loans0.6134%2,499
Net loans and leases to total assets62.6917%3,434
Net loans and leases to deposits69.2846%3,827
Net loans and leases to core deposits71.0613%4,002
Total domestic deposits to total assets90.4843%294
Equity capital to assets9.4299%4,321
Core capital (leverage) ratio9.5828%4,041
Tier 1 risk-based capital ratio18.1272%1,764
Total risk-based capital ratio19.3798%1,720
Memoranda:
Average total assets$260,204,5002,443
Average earning assets$247,007,0002,403
Average equity$24,629,0002,752
Average total loans$167,304,0002,498
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7742%4,547
Cost of funding earning assets0.3495%4,283
Net interest margin3.4247%3,926
Noninterest income to average assets0.3698%3,619
Noninterest expense to average assets2.4366%3,781
Loan and lease loss provision to assets0.1254%1,753
Net operating income to assets0.8691%3,541
Return on assets (ROA)0.8691%3,536
Pretax return on assets1.0610%3,408
Return on Equity (ROE)9.6047%2,689
Retained earnings to average equity (ytd only)3.7025%3,542
Net charge-offs to loans0.1807%1,060
Credit loss provision to net charge-offs109.2105%2,351
Earnings coverage of net charge-offs (x)10.3322%2,729
Efficiency ratio67.2540%2,667
Assets per employee ($millions)4.0802%3,774
Cash dividends to net income (ytd only)*61.4515%1,437
Condition Ratios (%)
Loss allowance to loans1.1946%2,598
Loan loss allowance to noncurrent loans196.9488%2,259
Noncurrent assets plus other real estate owned to assets0.4291%2,846
Noncurrent loans to loans0.6066%2,460
Net loans and leases to total assets64.3831%3,315
Net loans and leases to deposits71.1742%3,731
Net loans and leases to core deposits73.0504%3,919
Total domestic deposits to total assets90.4585%335
Equity capital to assets9.5015%4,133
Core capital (leverage) ratio9.3310%4,324
Tier 1 risk-based capital ratio18.4497%1,627
Total risk-based capital ratio19.7023%1,583
Memoranda:
Average total assets$264,750,2002,371
Average earning assets$251,499,2002,326
Average equity$23,957,0002,734
Average total loans$168,212,8002,454
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6975%4,657
Cost of funding earning assets0.3320%4,296
Net interest margin3.3655%4,118
Noninterest income to average assets0.3645%3,695
Noninterest expense to average assets2.3959%3,865
Loan and lease loss provision to assets0.1190%1,703
Net operating income to assets0.8355%3,796
Return on assets (ROA)0.8355%3,803
Pretax return on assets1.0474%3,582
Return on Equity (ROE)9.3453%2,937
Retained earnings to average equity (ytd only)4.8768%3,303
Net charge-offs to loans0.1045%1,439
Credit loss provision to net charge-offs180.3030%1,495
Earnings coverage of net charge-offs (x)17.6738%2,102
Efficiency ratio67.2561%2,670
Assets per employee ($millions)4.1942%3,584
Cash dividends to net income (ytd only)*47.8159%1,674
Condition Ratios (%)
Loss allowance to loans1.2437%2,389
Loan loss allowance to noncurrent loans155.3064%2,684
Noncurrent assets plus other real estate owned to assets0.5363%2,588
Noncurrent loans to loans0.8008%2,109
Net loans and leases to total assets62.4449%3,609
Net loans and leases to deposits68.7881%4,001
Net loans and leases to core deposits70.4084%4,166
Total domestic deposits to total assets90.7786%273
Equity capital to assets9.1389%4,430
Core capital (leverage) ratio9.2233%4,492
Tier 1 risk-based capital ratio17.9976%1,797
Total risk-based capital ratio19.2505%1,750
Memoranda:
Average total assets$266,674,0002,369
Average earning assets$253,390,7502,330
Average equity$23,840,2502,754
Average total loans$168,390,7502,468
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6596%4,667
Cost of funding earning assets0.3162%4,300
Net interest margin3.3434%4,128
Noninterest income to average assets0.3581%3,758
Noninterest expense to average assets2.3867%3,934
Loan and lease loss provision to assets0.0643%2,616
Net operating income to assets0.8830%3,536
Return on assets (ROA)0.8830%3,537
Pretax return on assets1.0849%3,372
Return on Equity (ROE)9.9504%2,582
Retained earnings to average equity (ytd only)5.5776%2,781
Net charge-offs to loans0.0675%1,663
Credit loss provision to net charge-offs150.8772%1,575
Earnings coverage of net charge-offs (x)26.9649%1,583
Efficiency ratio67.4984%2,726
Assets per employee ($millions)4.1557%3,648
Cash dividends to net income (ytd only)*43.9458%1,938
Condition Ratios (%)
Loss allowance to loans1.1943%2,758
Loan loss allowance to noncurrent loans143.5125%2,847
Noncurrent assets plus other real estate owned to assets0.5538%2,572
Noncurrent loans to loans0.8322%2,061
Net loans and leases to total assets62.2728%3,565
Net loans and leases to deposits68.4899%3,987
Net loans and leases to core deposits69.9894%4,145
Total domestic deposits to total assets90.9226%266
Equity capital to assets9.0297%4,534
Core capital (leverage) ratio9.0305%4,666
Tier 1 risk-based capital ratio17.5850%1,920
Total risk-based capital ratio18.8372%1,873
Memoranda:
Average total assets$267,487,6702,368
Average earning assets$254,235,0002,328
Average equity$23,737,6702,775
Average total loans$168,828,3302,473
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6313%4,638
Cost of funding earning assets0.3043%4,322
Net interest margin3.3269%4,116
Noninterest income to average assets0.3504%3,803
Noninterest expense to average assets2.3501%4,063
Loan and lease loss provision to assets0.0209%3,259
Net operating income to assets0.9379%3,117
Return on assets (ROA)0.9379%3,134
Pretax return on assets1.1422%2,998
Return on Equity (ROE)10.6617%2,100
Retained earnings to average equity (ytd only)5.9156%2,750
Net charge-offs to loans0.0543%1,565
Credit loss provision to net charge-offs60.8696%1,886
Earnings coverage of net charge-offs (x)33.9130%1,167
Efficiency ratio66.8930%3,020
Assets per employee ($millions)4.2872%3,509
Cash dividends to net income (ytd only)*44.5151%1,681
Condition Ratios (%)
Loss allowance to loans1.1619%3,027
Loan loss allowance to noncurrent loans173.8053%2,501
Noncurrent assets plus other real estate owned to assets0.4495%3,050
Noncurrent loans to loans0.6685%2,544
Net loans and leases to total assets61.8546%3,569
Net loans and leases to deposits67.8745%3,957
Net loans and leases to core deposits69.3311%4,120
Total domestic deposits to total assets91.1308%282
Equity capital to assets8.7751%4,769
Core capital (leverage) ratio9.0165%4,664
Tier 1 risk-based capital ratio17.3488%2,015
Total risk-based capital ratio18.6003%1,966
Memoranda:
Average total assets$268,248,0002,382
Average earning assets$255,008,5002,334
Average equity$23,598,5002,812
Average total loans$169,429,0002,480
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5980%4,578
Cost of funding earning assets0.2889%4,233
Net interest margin3.3092%4,130
Noninterest income to average assets0.3637%3,866
Noninterest expense to average assets2.3649%4,167
Loan and lease loss provision to assets0.0439%3,361
Net operating income to assets0.6611%3,779
Return on assets (ROA)0.6611%3,816
Pretax return on assets1.1101%3,141
Return on Equity (ROE)7.3823%3,080
Retained earnings to average equity (ytd only)1.4680%4,417
Net charge-offs to loans0.0713%2,429
Credit loss provision to net charge-offs96.6667%2,670
Earnings coverage of net charge-offs (x)25.3833%1,718
Efficiency ratio67.2050%3,049
Assets per employee ($millions)4.2286%3,613
Cash dividends to net income (ytd only)*80.1146%842
Condition Ratios (%)
Loss allowance to loans1.1618%2,998
Loan loss allowance to noncurrent loans140.2274%2,935
Noncurrent assets plus other real estate owned to assets0.5597%2,678
Noncurrent loans to loans0.8285%2,148
Net loans and leases to total assets63.0083%3,487
Net loans and leases to deposits69.1534%3,938
Net loans and leases to core deposits70.6292%4,134
Total domestic deposits to total assets91.1138%215
Equity capital to assets8.8197%4,879
Core capital (leverage) ratio8.8439%4,816
Tier 1 risk-based capital ratio17.1816%2,031
Total risk-based capital ratio18.4335%1,990
Memoranda:
Average total assets$263,946,4002,376
Average earning assets$251,665,2002,337
Average equity$23,637,6002,792
Average total loans$168,288,6002,438
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5856%4,596
Cost of funding earning assets0.2833%4,284
Net interest margin3.3023%4,170
Noninterest income to average assets0.3666%3,905
Noninterest expense to average assets2.3635%4,110
Loan and lease loss provision to assets0.0461%3,180
Net operating income to assets0.7797%3,602
Return on assets (ROA)0.7797%3,654
Pretax return on assets1.1083%3,273
Return on Equity (ROE)8.6735%2,777
Retained earnings to average equity (ytd only)3.9481%3,571
Net charge-offs to loans0.0850%1,953
Credit loss provision to net charge-offs85.0467%2,518
Earnings coverage of net charge-offs (x)21.3088%1,920
Efficiency ratio67.1848%3,018
Assets per employee ($millions)4.1938%3,663
Cash dividends to net income (ytd only)*54.4806%1,562
Condition Ratios (%)
Loss allowance to loans1.1616%3,134
Loan loss allowance to noncurrent loans165.9052%2,573
Noncurrent assets plus other real estate owned to assets0.4955%3,080
Noncurrent loans to loans0.7001%2,608
Net loans and leases to total assets62.1688%3,632
Net loans and leases to deposits68.4100%4,084
Net loans and leases to core deposits69.8666%4,249
Total domestic deposits to total assets90.8767%215
Equity capital to assets8.9609%4,943
Core capital (leverage) ratio8.9515%4,797
Tier 1 risk-based capital ratio20.9473%1,202
Total risk-based capital ratio22.2028%1,175
Memoranda:
Average total assets$263,332,2502,406
Average earning assets$251,292,2502,359
Average equity$23,673,0002,813
Average total loans$167,903,5002,461
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5819%4,558
Cost of funding earning assets0.2795%4,297
Net interest margin3.3024%4,099
Noninterest income to average assets0.3631%3,962
Noninterest expense to average assets2.3689%4,149
Loan and lease loss provision to assets0.0008%3,865
Net operating income to assets0.8156%3,328
Return on assets (ROA)0.8156%3,378
Pretax return on assets1.1458%2,992
Return on Equity (ROE)9.0627%2,482
Retained earnings to average equity (ytd only)4.3063%3,144
Net charge-offs to loans0.0573%2,114
Credit loss provision to net charge-offs2.0833%2,894
Earnings coverage of net charge-offs (x)31.2500%1,432
Efficiency ratio67.3842%3,119
Assets per employee ($millions)4.0705%3,845
Cash dividends to net income (ytd only)*52.4836%1,760
Condition Ratios (%)
Loss allowance to loans1.1498%3,314
Loan loss allowance to noncurrent loans165.2397%2,601
Noncurrent assets plus other real estate owned to assets0.4672%3,241
Noncurrent loans to loans0.6959%2,664
Net loans and leases to total assets62.7104%3,547
Net loans and leases to deposits68.9654%3,992
Net loans and leases to core deposits70.3496%4,202
Total domestic deposits to total assets90.9303%240
Equity capital to assets9.0195%4,879
Core capital (leverage) ratio8.9978%4,731
Tier 1 risk-based capital ratio20.6120%1,256
Total risk-based capital ratio21.8672%1,226
Memoranda:
Average total assets$261,643,0002,426
Average earning assets$249,758,0002,380
Average equity$23,547,0002,826
Average total loans$167,597,3302,470
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5772%4,481
Cost of funding earning assets0.2804%4,251
Net interest margin3.2968%4,017
Noninterest income to average assets0.3644%3,926
Noninterest expense to average assets2.3554%4,247
Loan and lease loss provision to assets-0.0446%5,709
Net operating income to assets0.8886%2,822
Return on assets (ROA)0.8886%2,868
Pretax return on assets1.1992%2,597
Return on Equity (ROE)9.8852%2,012
Retained earnings to average equity (ytd only)5.0965%2,832
Net charge-offs to loans0.0167%2,458
Credit loss provision to net charge-offs-414.2857%4,209
Earnings coverage of net charge-offs (x)107.2857%507
Efficiency ratio67.1047%3,327
Assets per employee ($millions)4.1368%3,781
Cash dividends to net income (ytd only)*48.4429%1,732
Condition Ratios (%)
Loss allowance to loans1.1651%3,337
Loan loss allowance to noncurrent loans163.3305%2,645
Noncurrent assets plus other real estate owned to assets0.4904%3,267
Noncurrent loans to loans0.7133%2,709
Net loans and leases to total assets63.2115%3,374
Net loans and leases to deposits69.5743%3,846
Net loans and leases to core deposits70.9927%4,072
Total domestic deposits to total assets90.8548%343
Equity capital to assets9.0478%4,764
Core capital (leverage) ratio9.0821%4,645
Tier 1 risk-based capital ratio17.3793%2,073
Total risk-based capital ratio18.6312%2,019
Memoranda:
Average total assets$260,173,0002,464
Average earning assets$248,239,5002,411
Average equity$23,388,5002,851
Average total loans$167,470,5002,480
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6428%4,395
Cost of funding earning assets0.2939%4,132
Net interest margin3.3489%3,998
Noninterest income to average assets0.3787%4,042
Noninterest expense to average assets2.2699%4,615
Loan and lease loss provision to assets0.0586%3,215
Net operating income to assets0.8986%2,825
Return on assets (ROA)0.8988%2,947
Pretax return on assets1.2518%2,465
Return on Equity (ROE)10.1817%1,886
Retained earnings to average equity (ytd only)4.1117%2,982
Net charge-offs to loans0.0774%2,578
Credit loss provision to net charge-offs117.6923%2,253
Earnings coverage of net charge-offs (x)26.2923%1,551
Efficiency ratio63.4047%4,041
Assets per employee ($millions)3.9353%4,084
Cash dividends to net income (ytd only)*59.6162%1,809
Condition Ratios (%)
Loss allowance to loans1.1750%3,277
Loan loss allowance to noncurrent loans126.9750%3,152
Noncurrent assets plus other real estate owned to assets0.6353%2,812
Noncurrent loans to loans0.9254%2,245
Net loans and leases to total assets64.0213%3,355
Net loans and leases to deposits71.8417%3,726
Net loans and leases to core deposits73.4231%3,967
Total domestic deposits to total assets89.1144%1,054
Equity capital to assets8.9312%4,882
Core capital (leverage) ratio8.8032%4,960
Tier 1 risk-based capital ratio19.7540%1,428
Total risk-based capital ratio21.0087%1,394
Memoranda:
Average total assets$260,895,6002,434
Average earning assets$249,395,2002,361
Average equity$23,031,6002,888
Average total loans$167,853,6002,433
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6401%4,435
Cost of funding earning assets0.2972%4,131
Net interest margin3.3428%4,048
Noninterest income to average assets0.3818%4,053
Noninterest expense to average assets2.2063%4,756
Loan and lease loss provision to assets0.0975%2,276
Net operating income to assets0.8950%2,932
Return on assets (ROA)0.8954%3,066
Pretax return on assets1.2762%2,518
Return on Equity (ROE)10.1722%1,983
Retained earnings to average equity (ytd only)5.3065%2,622
Net charge-offs to loans0.0835%2,133
Credit loss provision to net charge-offs181.9048%1,545
Earnings coverage of net charge-offs (x)25.6184%1,629
Efficiency ratio61.6372%4,290
Assets per employee ($millions)4.1082%3,773
Cash dividends to net income (ytd only)*47.8335%1,990
Condition Ratios (%)
Loss allowance to loans1.2132%3,154
Loan loss allowance to noncurrent loans158.5082%2,672
Noncurrent assets plus other real estate owned to assets0.5213%3,368
Noncurrent loans to loans0.7654%2,758
Net loans and leases to total assets62.2058%3,621
Net loans and leases to deposits69.7803%4,005
Net loans and leases to core deposits71.3693%4,220
Total domestic deposits to total assets89.1453%826
Equity capital to assets8.8022%5,315
Core capital (leverage) ratio8.7075%5,148
Tier 1 risk-based capital ratio17.2081%2,163
Total risk-based capital ratio18.4616%2,119
Memoranda:
Average total assets$261,187,2502,439
Average earning assets$249,842,7502,375
Average equity$22,990,2502,913
Average total loans$167,752,2502,440
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6627%4,407
Cost of funding earning assets0.3001%4,128
Net interest margin3.3626%4,015
Noninterest income to average assets0.3719%4,089
Noninterest expense to average assets2.2119%4,816
Loan and lease loss provision to assets0.1126%1,996
Net operating income to assets0.8780%2,974
Return on assets (ROA)0.8780%3,088
Pretax return on assets1.2629%2,552
Return on Equity (ROE)9.9743%2,066
Retained earnings to average equity (ytd only)5.0748%2,682
Net charge-offs to loans0.0990%1,847
Credit loss provision to net charge-offs175.9036%1,424
Earnings coverage of net charge-offs (x)21.4819%1,678
Efficiency ratio61.6559%4,395
Assets per employee ($millions)4.0948%3,743
Cash dividends to net income (ytd only)*49.1213%2,014
Condition Ratios (%)
Loss allowance to loans1.2034%3,338
Loan loss allowance to noncurrent loans177.3967%2,523
Noncurrent assets plus other real estate owned to assets0.4568%3,682
Noncurrent loans to loans0.6784%3,037
Net loans and leases to total assets63.1849%3,476
Net loans and leases to deposits69.3823%4,044
Net loans and leases to core deposits71.1398%4,240
Total domestic deposits to total assets91.0678%184
Equity capital to assets8.8711%5,337
Core capital (leverage) ratio8.6088%5,255
Tier 1 risk-based capital ratio17.3349%2,122
Total risk-based capital ratio18.5881%2,082
Memoranda:
Average total assets$259,237,6702,459
Average earning assets$247,903,3302,401
Average equity$22,818,6702,937
Average total loans$167,619,0002,440
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6797%4,390
Cost of funding earning assets0.3035%4,121
Net interest margin3.3761%3,959
Noninterest income to average assets0.3863%3,939
Noninterest expense to average assets2.2884%4,696
Loan and lease loss provision to assets0.1582%1,322
Net operating income to assets0.7979%3,260
Return on assets (ROA)0.7990%3,370
Pretax return on assets1.1682%2,824
Return on Equity (ROE)9.1134%2,366
Retained earnings to average equity (ytd only)4.1586%3,406
Net charge-offs to loans0.1551%1,194
Credit loss provision to net charge-offs156.9231%1,242
Earnings coverage of net charge-offs (x)13.1385%1,751
Efficiency ratio63.3319%4,250
Assets per employee ($millions)4.0450%3,872
Cash dividends to net income (ytd only)*54.3689%1,609
Condition Ratios (%)
Loss allowance to loans1.1863%3,564
Loan loss allowance to noncurrent loans212.4867%2,135
Noncurrent assets plus other real estate owned to assets0.3902%4,027
Noncurrent loans to loans0.5583%3,513
Net loans and leases to total assets63.0742%3,372
Net loans and leases to deposits69.1486%3,941
Net loans and leases to core deposits70.8662%4,172
Total domestic deposits to total assets91.2154%214
Equity capital to assets8.6689%5,445
Core capital (leverage) ratio8.6916%5,186
Tier 1 risk-based capital ratio16.8851%2,329
Total risk-based capital ratio18.1380%2,274
Memoranda:
Average total assets$257,824,5002,480
Average earning assets$246,436,0002,417
Average equity$22,604,0002,965
Average total loans$167,627,5002,430
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7230%4,299
Cost of funding earning assets0.3848%3,321
Net interest margin3.3382%4,156
Noninterest income to average assets0.3473%4,424
Noninterest expense to average assets2.2339%4,968
Loan and lease loss provision to assets0.1427%1,664
Net operating income to assets0.8082%3,309
Return on assets (ROA)0.8082%3,383
Pretax return on assets1.1691%2,772
Return on Equity (ROE)9.3650%2,285
Retained earnings to average equity (ytd only)3.0646%3,877
Net charge-offs to loans0.1036%2,370
Credit loss provision to net charge-offs214.6199%1,324
Earnings coverage of net charge-offs (x)19.7251%1,927
Efficiency ratio63.0032%4,440
Assets per employee ($millions)3.7720%4,341
Cash dividends to net income (ytd only)*67.2762%1,375
Condition Ratios (%)
Loss allowance to loans1.1671%3,669
Loan loss allowance to noncurrent loans193.6571%2,311
Noncurrent assets plus other real estate owned to assets0.4463%3,826
Noncurrent loans to loans0.6027%3,365
Net loans and leases to total assets65.4755%3,054
Net loans and leases to deposits73.1448%3,594
Net loans and leases to core deposits75.1577%3,834
Total domestic deposits to total assets89.5150%846
Equity capital to assets8.8694%5,251
Core capital (leverage) ratio8.6901%5,230
Tier 1 risk-based capital ratio16.1264%2,636
Total risk-based capital ratio17.3783%2,582
Memoranda:
Average total assets$257,129,4002,443
Average earning assets$246,359,2002,373
Average equity$22,189,0002,957
Average total loans$165,076,2002,399
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6971%4,430
Cost of funding earning assets0.4065%3,159
Net interest margin3.2906%4,397
Noninterest income to average assets0.3423%4,490
Noninterest expense to average assets2.2253%4,978
Loan and lease loss provision to assets0.1110%2,031
Net operating income to assets0.8163%3,349
Return on assets (ROA)0.8163%3,436
Pretax return on assets1.1617%2,963
Return on Equity (ROE)9.5242%2,307
Retained earnings to average equity (ytd only)4.4699%3,283
Net charge-offs to loans0.1013%2,132
Credit loss provision to net charge-offs172.0000%1,520
Earnings coverage of net charge-offs (x)19.7203%1,920
Efficiency ratio63.6162%4,312
Assets per employee ($millions)3.8497%4,180
Cash dividends to net income (ytd only)*53.0677%1,744
Condition Ratios (%)
Loss allowance to loans1.1164%4,134
Loan loss allowance to noncurrent loans156.7430%2,726
Noncurrent assets plus other real estate owned to assets0.4831%3,878
Noncurrent loans to loans0.7123%3,197
Net loans and leases to total assets63.4594%3,382
Net loans and leases to deposits70.6497%3,913
Net loans and leases to core deposits72.4878%4,152
Total domestic deposits to total assets89.8227%644
Equity capital to assets8.7598%5,524
Core capital (leverage) ratio8.4193%5,613
Tier 1 risk-based capital ratio16.7930%2,437
Total risk-based capital ratio18.0434%2,404
Memoranda:
Average total assets$258,231,2502,455
Average earning assets$247,648,7502,380
Average equity$22,132,5002,972
Average total loans$164,489,0002,429
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6756%4,485
Cost of funding earning assets0.4300%2,935
Net interest margin3.2456%4,516
Noninterest income to average assets0.3306%4,590
Noninterest expense to average assets2.2111%5,087
Loan and lease loss provision to assets0.0697%2,716
Net operating income to assets0.8168%3,299
Return on assets (ROA)0.8168%3,406
Pretax return on assets1.1644%2,919
Return on Equity (ROE)9.6002%2,256
Retained earnings to average equity (ytd only)4.5044%3,152
Net charge-offs to loans0.1243%1,765
Credit loss provision to net charge-offs88.2353%2,228
Earnings coverage of net charge-offs (x)15.6275%1,962
Efficiency ratio64.1798%4,324
Assets per employee ($millions)3.9344%4,007
Cash dividends to net income (ytd only)*53.0806%1,814
Condition Ratios (%)
Loss allowance to loans1.0578%4,556
Loan loss allowance to noncurrent loans148.0916%2,823
Noncurrent assets plus other real estate owned to assets0.4667%4,066
Noncurrent loans to loans0.7143%3,345
Net loans and leases to total assets62.8953%3,427
Net loans and leases to deposits68.9005%4,042
Net loans and leases to core deposits71.0206%4,220
Total domestic deposits to total assets91.2843%235
Equity capital to assets8.5548%5,638
Core capital (leverage) ratio8.4193%5,609
Tier 1 risk-based capital ratio16.6434%2,541
Total risk-based capital ratio17.8944%2,498
Memoranda:
Average total assets$258,332,6702,471
Average earning assets$247,902,6702,389
Average equity$21,978,6702,998
Average total loans$164,143,0002,439
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6857%4,418
Cost of funding earning assets0.4621%2,655
Net interest margin3.2236%4,510
Noninterest income to average assets0.3322%4,532
Noninterest expense to average assets2.2277%5,078
Loan and lease loss provision to assets0.0699%2,540
Net operating income to assets0.7995%3,264
Return on assets (ROA)0.7995%3,390
Pretax return on assets1.1317%2,940
Return on Equity (ROE)9.4232%2,253
Retained earnings to average equity (ytd only)4.2999%3,434
Net charge-offs to loans0.1246%1,514
Credit loss provision to net charge-offs88.2353%1,756
Earnings coverage of net charge-offs (x)15.1765%1,634
Efficiency ratio64.9615%4,323
Assets per employee ($millions)3.9487%4,062
Cash dividends to net income (ytd only)*54.3689%1,583
Condition Ratios (%)
Loss allowance to loans1.0727%4,648
Loan loss allowance to noncurrent loans165.7521%2,576
Noncurrent assets plus other real estate owned to assets0.4497%4,236
Noncurrent loans to loans0.6472%3,657
Net loans and leases to total assets61.9979%3,368
Net loans and leases to deposits67.8315%3,973
Net loans and leases to core deposits70.0671%4,147
Total domestic deposits to total assets91.3999%252
Equity capital to assets8.4816%5,753
Core capital (leverage) ratio8.4635%5,559
Tier 1 risk-based capital ratio17.0414%2,466
Total risk-based capital ratio18.3117%2,417
Memoranda:
Average total assets$257,665,0002,489
Average earning assets$247,551,5002,403
Average equity$21,861,0003,034
Average total loans$163,682,0002,449
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7105%4,750
Cost of funding earning assets0.5298%2,390
Net interest margin3.1807%4,984
Noninterest income to average assets0.3625%4,497
Noninterest expense to average assets2.2170%5,306
Loan and lease loss provision to assets0.0464%3,644
Net operating income to assets0.8128%3,308
Return on assets (ROA)0.8139%3,392
Pretax return on assets1.1535%2,858
Return on Equity (ROE)9.9151%2,155
Retained earnings to average equity (ytd only)3.5969%3,655
Net charge-offs to loans0.0646%3,564
Credit loss provision to net charge-offs116.5049%2,050
Earnings coverage of net charge-offs (x)30.1068%1,332
Efficiency ratio64.9129%4,418
Assets per employee ($millions)3.8594%4,239
Cash dividends to net income (ytd only)*63.7227%1,567
Condition Ratios (%)
Loss allowance to loans1.0717%4,684
Loan loss allowance to noncurrent loans160.9890%2,653
Noncurrent assets plus other real estate owned to assets0.4742%4,221
Noncurrent loans to loans0.6657%3,683
Net loans and leases to total assets63.7097%3,260
Net loans and leases to deposits69.6579%3,959
Net loans and leases to core deposits71.9218%4,130
Total domestic deposits to total assets91.4608%237
Equity capital to assets8.4870%5,765
Core capital (leverage) ratio8.2710%5,802
Tier 1 risk-based capital ratio15.6537%3,153
Total risk-based capital ratio16.9038%3,082
Memoranda:
Average total assets$258,767,8002,442
Average earning assets$248,373,4002,359
Average equity$21,240,4003,025
Average total loans$159,451,0002,433
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6745%4,925
Cost of funding earning assets0.5373%2,396
Net interest margin3.1372%5,155
Noninterest income to average assets0.3665%4,493
Noninterest expense to average assets2.1700%5,408
Loan and lease loss provision to assets0.0462%3,464
Net operating income to assets0.8191%3,346
Return on assets (ROA)0.8202%3,432
Pretax return on assets1.1635%2,935
Return on Equity (ROE)10.0757%2,180
Retained earnings to average equity (ytd only)4.7856%3,222
Net charge-offs to loans0.0640%3,291
Credit loss provision to net charge-offs118.4211%1,934
Earnings coverage of net charge-offs (x)30.9739%1,344
Efficiency ratio64.2358%4,499
Assets per employee ($millions)4.0498%3,776
Cash dividends to net income (ytd only)*52.5033%1,716
Condition Ratios (%)
Loss allowance to loans1.0788%4,847
Loan loss allowance to noncurrent loans170.3201%2,457
Noncurrent assets plus other real estate owned to assets0.4141%4,675
Noncurrent loans to loans0.6334%4,031
Net loans and leases to total assets61.1659%3,606
Net loans and leases to deposits66.6875%4,263
Net loans and leases to core deposits69.0160%4,412
Total domestic deposits to total assets91.7201%195
Equity capital to assets8.2161%6,003
Core capital (leverage) ratio8.0793%6,013
Tier 1 risk-based capital ratio14.9995%3,587
Total risk-based capital ratio16.1900%3,550
Memoranda:
Average total assets$259,780,2502,451
Average earning assets$249,391,0002,360
Average equity$21,146,0003,045
Average total loans$158,304,2502,462
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6576%4,982
Cost of funding earning assets0.5423%2,414
Net interest margin3.1153%5,213
Noninterest income to average assets0.3658%4,509
Noninterest expense to average assets2.1475%5,525
Loan and lease loss provision to assets0.0464%3,382
Net operating income to assets0.8204%3,234
Return on assets (ROA)0.8220%3,322
Pretax return on assets1.1638%2,821
Return on Equity (ROE)10.1309%2,092
Retained earnings to average equity (ytd only)4.8034%3,087
Net charge-offs to loans0.0727%2,974
Credit loss provision to net charge-offs105.2632%1,902
Earnings coverage of net charge-offs (x)27.4035%1,344
Efficiency ratio64.0009%4,688
Assets per employee ($millions)4.1064%3,630
Cash dividends to net income (ytd only)*52.5870%1,825
Condition Ratios (%)
Loss allowance to loans1.0928%4,943
Loan loss allowance to noncurrent loans187.5269%2,261
Noncurrent assets plus other real estate owned to assets0.4012%4,810
Noncurrent loans to loans0.5828%4,276
Net loans and leases to total assets59.1340%3,844
Net loans and leases to deposits66.1689%4,254
Net loans and leases to core deposits68.4282%4,421
Total domestic deposits to total assets89.3683%1,180
Equity capital to assets8.0163%6,147
Core capital (leverage) ratio8.0864%6,030
Tier 1 risk-based capital ratio15.0196%3,627
Total risk-based capital ratio16.2125%3,598
Memoranda:
Average total assets$258,627,0002,469
Average earning assets$248,197,0002,373
Average equity$20,985,3303,058
Average total loans$156,816,0002,487
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6665%4,956
Cost of funding earning assets0.5537%2,395
Net interest margin3.1127%5,204
Noninterest income to average assets0.3521%4,558
Noninterest expense to average assets2.2493%5,329
Loan and lease loss provision to assets0.0472%3,151
Net operating income to assets0.7406%3,479
Return on assets (ROA)0.7450%3,538
Pretax return on assets1.0484%3,144
Return on Equity (ROE)9.1244%2,404
Retained earnings to average equity (ytd only)3.7344%3,891
Net charge-offs to loans0.0566%2,594
Credit loss provision to net charge-offs136.3636%1,328
Earnings coverage of net charge-offs (x)31.5000%1,016
Efficiency ratio67.3729%4,300
Assets per employee ($millions)3.9836%3,979
Cash dividends to net income (ytd only)*59.0717%1,434
Condition Ratios (%)
Loss allowance to loans1.1189%5,033
Loan loss allowance to noncurrent loans217.2671%1,963
Noncurrent assets plus other real estate owned to assets0.3924%4,967
Noncurrent loans to loans0.5150%4,626
Net loans and leases to total assets59.6949%3,607
Net loans and leases to deposits65.0207%4,204
Net loans and leases to core deposits67.4138%4,365
Total domestic deposits to total assets91.8091%297
Equity capital to assets8.0596%6,011
Core capital (leverage) ratio8.2367%5,903
Tier 1 risk-based capital ratio15.9059%3,212
Total risk-based capital ratio17.1014%3,207
Memoranda:
Average total assets$254,481,0002,508
Average earning assets$244,158,0002,407
Average equity$20,779,5003,084
Average total loans$155,432,0002,515
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7100%5,099
Cost of funding earning assets0.6207%2,475
Net interest margin3.0894%5,340
Noninterest income to average assets0.3605%4,728
Noninterest expense to average assets2.0783%5,874
Loan and lease loss provision to assets0.0472%4,180
Net operating income to assets0.8496%3,037
Return on assets (ROA)0.8504%3,108
Pretax return on assets1.1992%2,586
Return on Equity (ROE)10.5445%1,910
Retained earnings to average equity (ytd only)4.0072%3,342
Net charge-offs to loans0.0622%4,342
Credit loss provision to net charge-offs126.3158%1,868
Earnings coverage of net charge-offs (x)33.3368%1,083
Efficiency ratio62.5340%5,119
Assets per employee ($millions)3.8466%4,168
Cash dividends to net income (ytd only)*61.9972%1,670
Condition Ratios (%)
Loss allowance to loans1.1265%5,020
Loan loss allowance to noncurrent loans423.6010%1,106
Noncurrent assets plus other real estate owned to assets0.2456%5,533
Noncurrent loans to loans0.2659%5,387
Net loans and leases to total assets61.1146%3,516
Net loans and leases to deposits66.6735%4,226
Net loans and leases to core deposits69.2162%4,375
Total domestic deposits to total assets91.6625%362
Equity capital to assets8.2751%5,799
Core capital (leverage) ratio8.1426%6,019
Tier 1 risk-based capital ratio15.8763%3,161
Total risk-based capital ratio17.0762%3,139
Memoranda:
Average total assets$254,339,2002,492
Average earning assets$243,934,4002,388
Average equity$20,513,0003,100
Average total loans$152,659,4002,523
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6846%5,205
Cost of funding earning assets0.6301%2,549
Net interest margin3.0544%5,455
Noninterest income to average assets0.3607%4,813
Noninterest expense to average assets2.0416%5,938
Loan and lease loss provision to assets0.0470%4,077
Net operating income to assets0.8534%3,084
Return on assets (ROA)0.8545%3,187
Pretax return on assets1.2038%2,680
Return on Equity (ROE)10.6631%1,931
Retained earnings to average equity (ytd only)5.2046%2,933
Net charge-offs to loans0.0648%3,988
Credit loss provision to net charge-offs121.6216%1,939
Earnings coverage of net charge-offs (x)32.3392%1,175
Efficiency ratio62.0400%5,132
Assets per employee ($millions)3.9753%3,886
Cash dividends to net income (ytd only)*51.1915%1,816
Condition Ratios (%)
Loss allowance to loans1.1153%5,270
Loan loss allowance to noncurrent loans256.9733%1,585
Noncurrent assets plus other real estate owned to assets0.3274%5,426
Noncurrent loans to loans0.4340%5,111
Net loans and leases to total assets60.3580%3,641
Net loans and leases to deposits65.8026%4,329
Net loans and leases to core deposits68.7708%4,461
Total domestic deposits to total assets91.7258%308
Equity capital to assets8.0757%6,098
Core capital (leverage) ratio8.0841%6,165
Tier 1 risk-based capital ratio15.8272%3,286
Total risk-based capital ratio17.0316%3,265
Memoranda:
Average total assets$255,417,2502,492
Average earning assets$245,014,7502,391
Average equity$20,468,7503,141
Average total loans$152,188,2502,539
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6590%5,262
Cost of funding earning assets0.6424%2,569
Net interest margin3.0166%5,529
Noninterest income to average assets0.3589%4,820
Noninterest expense to average assets2.0246%6,001
Loan and lease loss provision to assets0.0469%4,035
Net operating income to assets0.8406%3,100
Return on assets (ROA)0.8422%3,240
Pretax return on assets1.1832%2,750
Return on Equity (ROE)10.5366%2,002
Retained earnings to average equity (ytd only)5.0677%3,007
Net charge-offs to loans0.0767%3,615
Credit loss provision to net charge-offs103.4483%2,140
Earnings coverage of net charge-offs (x)27.0690%1,225
Efficiency ratio62.2505%5,137
Assets per employee ($millions)4.0233%3,740
Cash dividends to net income (ytd only)*51.9034%1,787
Condition Ratios (%)
Loss allowance to loans1.1280%5,331
Loan loss allowance to noncurrent loans326.6160%1,295
Noncurrent assets plus other real estate owned to assets0.2932%5,588
Noncurrent loans to loans0.3454%5,430
Net loans and leases to total assets58.4825%3,912
Net loans and leases to deposits63.5657%4,554
Net loans and leases to core deposits66.0481%4,685
Total domestic deposits to total assets92.0033%248
Equity capital to assets7.9113%6,260
Core capital (leverage) ratio7.9001%6,251
Tier 1 risk-based capital ratio15.9729%3,210
Total risk-based capital ratio17.1731%3,182
Memoranda:
Average total assets$255,750,6702,500
Average earning assets$245,311,0002,397
Average equity$20,443,0003,164
Average total loans$151,153,3302,555
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6838%5,219
Cost of funding earning assets0.6513%2,646
Net interest margin3.0324%5,478
Noninterest income to average assets0.3625%4,761
Noninterest expense to average assets2.0512%6,005
Loan and lease loss provision to assets0.0471%3,830
Net operating income to assets0.8358%2,975
Return on assets (ROA)0.8380%3,102
Pretax return on assets1.1755%2,663
Return on Equity (ROE)10.4302%1,903
Retained earnings to average equity (ytd only)4.9807%3,250
Net charge-offs to loans0.0531%3,296
Credit loss provision to net charge-offs150.0000%1,364
Earnings coverage of net charge-offs (x)38.8500%812
Efficiency ratio62.7159%5,197
Assets per employee ($millions)4.0574%3,831
Cash dividends to net income (ytd only)*52.2472%1,506
Condition Ratios (%)
Loss allowance to loans1.1432%5,433
Loan loss allowance to noncurrent loans246.5714%1,585
Noncurrent assets plus other real estate owned to assets0.3529%5,532
Noncurrent loans to loans0.4636%5,262
Net loans and leases to total assets58.3891%3,723
Net loans and leases to deposits63.5569%4,367
Net loans and leases to core deposits65.9952%4,528
Total domestic deposits to total assets91.8691%270
Equity capital to assets8.0531%6,349
Core capital (leverage) ratio7.9116%6,208
Tier 1 risk-based capital ratio15.9023%3,322
Total risk-based capital ratio17.1001%3,311
Memoranda:
Average total assets$254,879,0002,534
Average earning assets$244,423,0002,430
Average equity$20,479,0003,198
Average total loans$150,576,5002,574
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9066%5,558
Cost of funding earning assets0.7216%3,310
Net interest margin3.1850%5,606
Noninterest income to average assets0.3053%5,258
Noninterest expense to average assets2.0677%6,195
Loan and lease loss provision to assets0.0618%4,996
Net operating income to assets0.9026%2,805
Return on assets (ROA)0.9023%3,045
Pretax return on assets1.2626%2,554
Return on Equity (ROE)11.2873%1,720
Retained earnings to average equity (ytd only)4.6066%2,981
Net charge-offs to loans0.0779%4,894
Credit loss provision to net charge-offs132.4786%2,116
Earnings coverage of net charge-offs (x)28.4103%1,042
Efficiency ratio60.9492%5,394
Assets per employee ($millions)4.0340%3,879
Cash dividends to net income (ytd only)*59.1873%1,845
Condition Ratios (%)
Loss allowance to loans1.1427%5,379
Loan loss allowance to noncurrent loans281.7734%1,368
Noncurrent assets plus other real estate owned to assets0.3191%5,712
Noncurrent loans to loans0.4055%5,472
Net loans and leases to total assets58.4158%3,895
Net loans and leases to deposits63.5578%4,589
Net loans and leases to core deposits66.0129%4,735
Total domestic deposits to total assets91.9096%261
Equity capital to assets8.0164%6,399
Core capital (leverage) ratio7.8124%6,334
Tier 1 risk-based capital ratio16.0796%3,118
Total risk-based capital ratio17.2757%3,099
Memoranda:
Average total assets$250,909,6002,522
Average earning assets$243,203,4002,384
Average equity$20,058,0003,200
Average total loans$150,105,8002,572
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9391%5,689
Cost of funding earning assets0.7371%3,464
Net interest margin3.2020%5,700
Noninterest income to average assets0.2964%5,401
Noninterest expense to average assets2.0674%6,227
Loan and lease loss provision to assets0.0666%4,854
Net operating income to assets0.9200%2,879
Return on assets (ROA)0.9196%3,109
Pretax return on assets1.2741%2,696
Return on Equity (ROE)11.5116%1,790
Retained earnings to average equity (ytd only)5.9193%2,750
Net charge-offs to loans0.0693%4,722
Credit loss provision to net charge-offs160.2564%1,743
Earnings coverage of net charge-offs (x)32.2556%1,040
Efficiency ratio60.6506%5,388
Assets per employee ($millions)4.0146%3,837
Cash dividends to net income (ytd only)*48.5800%1,748
Condition Ratios (%)
Loss allowance to loans1.1523%5,506
Loan loss allowance to noncurrent loans368.5897%1,015
Noncurrent assets plus other real estate owned to assets0.2372%6,104
Noncurrent loans to loans0.3126%5,857
Net loans and leases to total assets58.5078%4,042
Net loans and leases to deposits63.7098%4,754
Net loans and leases to core deposits66.4255%4,910
Total domestic deposits to total assets91.8350%227
Equity capital to assets8.0646%6,564
Core capital (leverage) ratio7.8090%6,462
Tier 1 risk-based capital ratio16.2648%3,125
Total risk-based capital ratio17.4589%3,135
Memoranda:
Average total assets$250,101,5002,554
Average earning assets$243,095,0002,418
Average equity$19,979,2503,239
Average total loans$150,088,5002,603
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9794%5,710
Cost of funding earning assets0.7500%3,606
Net interest margin3.2294%5,649
Noninterest income to average assets0.2930%5,460
Noninterest expense to average assets2.0469%6,340
Loan and lease loss provision to assets0.0722%4,725
Net operating income to assets0.9478%2,668
Return on assets (ROA)0.9472%2,929
Pretax return on assets1.3116%2,514
Return on Equity (ROE)11.8952%1,699
Retained earnings to average equity (ytd only)6.2601%2,527
Net charge-offs to loans0.0679%4,478
Credit loss provision to net charge-offs176.4706%1,593
Earnings coverage of net charge-offs (x)33.8235%991
Efficiency ratio59.6491%5,634
Assets per employee ($millions)4.0580%3,751
Cash dividends to net income (ytd only)*47.3729%1,850
Condition Ratios (%)
Loss allowance to loans1.1539%5,554
Loan loss allowance to noncurrent loans312.7505%1,142
Noncurrent assets plus other real estate owned to assets0.2997%6,017
Noncurrent loans to loans0.3689%5,800
Net loans and leases to total assets58.4615%4,090
Net loans and leases to deposits63.6111%4,817
Net loans and leases to core deposits66.4129%4,951
Total domestic deposits to total assets91.9045%239
Equity capital to assets8.0024%6,564
Core capital (leverage) ratio7.8222%6,436
Tier 1 risk-based capital ratio16.3114%2,999
Total risk-based capital ratio17.5069%2,997
Memoranda:
Average total assets$249,162,0002,556
Average earning assets$242,147,0002,423
Average equity$19,840,0003,246
Average total loans$150,217,0002,613
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0420%5,631
Cost of funding earning assets0.7636%3,761
Net interest margin3.2784%5,537
Noninterest income to average assets0.2872%5,579
Noninterest expense to average assets2.0666%6,348
Loan and lease loss provision to assets0.0726%4,489
Net operating income to assets0.9647%2,618
Return on assets (ROA)0.9647%2,816
Pretax return on assets1.3342%2,410
Return on Equity (ROE)12.1464%1,635
Retained earnings to average equity (ytd only)6.4795%2,701
Net charge-offs to loans0.0265%4,310
Credit loss provision to net charge-offs450.0000%718
Earnings coverage of net charge-offs (x)87.2000%390
Efficiency ratio59.4984%5,693
Assets per employee ($millions)4.0666%3,869
Cash dividends to net income (ytd only)*46.6555%1,557
Condition Ratios (%)
Loss allowance to loans1.1306%5,803
Loan loss allowance to noncurrent loans331.3346%1,000
Noncurrent assets plus other real estate owned to assets0.2237%6,327
Noncurrent loans to loans0.3412%5,988
Net loans and leases to total assets59.4152%3,791
Net loans and leases to deposits64.6860%4,540
Net loans and leases to core deposits67.9025%4,689
Total domestic deposits to total assets91.8518%296
Equity capital to assets7.8599%6,606
Core capital (leverage) ratio7.8400%6,385
Tier 1 risk-based capital ratio15.9914%3,183
Total risk-based capital ratio17.1933%3,171
Memoranda:
Average total assets$247,944,0002,579
Average earning assets$240,971,0002,441
Average equity$19,693,0003,264
Average total loans$150,923,0002,619
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2313%5,970
Cost of funding earning assets0.8714%4,316
Net interest margin3.3600%5,611
Noninterest income to average assets0.3289%5,189
Noninterest expense to average assets2.0900%6,510
Loan and lease loss provision to assets0.0940%5,420
Net operating income to assets1.0162%2,143
Return on assets (ROA)1.0197%2,276
Pretax return on assets1.4074%1,762
Return on Equity (ROE)13.1076%1,138
Retained earnings to average equity (ytd only)6.0707%1,977
Net charge-offs to loans0.1121%5,254
Credit loss provision to net charge-offs137.7246%2,154
Earnings coverage of net charge-offs (x)21.9341%1,074
Efficiency ratio58.2754%6,013
Assets per employee ($millions)3.8692%4,161
Cash dividends to net income (ytd only)*53.6859%1,872
Condition Ratios (%)
Loss allowance to loans1.1162%5,761
Loan loss allowance to noncurrent loans349.5833%950
Noncurrent assets plus other real estate owned to assets0.2712%6,286
Noncurrent loans to loans0.3193%6,095
Net loans and leases to total assets60.9832%3,787
Net loans and leases to deposits66.3705%4,688
Net loans and leases to core deposits69.4574%4,854
Total domestic deposits to total assets91.8830%253
Equity capital to assets8.0280%6,555
Core capital (leverage) ratio7.7478%6,498
Tier 1 risk-based capital ratio15.7338%3,201
Total risk-based capital ratio16.9337%3,180
Memoranda:
Average total assets$244,780,8002,583
Average earning assets$237,323,8002,430
Average equity$19,042,4003,272
Average total loans$148,984,8002,656
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2346%6,126
Cost of funding earning assets0.8808%4,545
Net interest margin3.3538%5,706
Noninterest income to average assets0.3325%5,203
Noninterest expense to average assets2.0677%6,556
Loan and lease loss provision to assets0.1007%5,189
Net operating income to assets1.0250%2,234
Return on assets (ROA)1.0289%2,379
Pretax return on assets1.4202%1,882
Return on Equity (ROE)13.3325%1,201
Retained earnings to average equity (ytd only)7.4241%1,757
Net charge-offs to loans0.1085%4,915
Credit loss provision to net charge-offs152.8926%2,035
Earnings coverage of net charge-offs (x)23.0164%1,132
Efficiency ratio57.7069%6,059
Assets per employee ($millions)4.0310%3,778
Cash dividends to net income (ytd only)*44.3154%1,840
Condition Ratios (%)
Loss allowance to loans1.1211%5,809
Loan loss allowance to noncurrent loans481.0888%674
Noncurrent assets plus other real estate owned to assets0.2127%6,527
Noncurrent loans to loans0.2330%6,407
Net loans and leases to total assets60.2235%4,091
Net loans and leases to deposits66.1393%4,883
Net loans and leases to core deposits69.9879%4,946
Total domestic deposits to total assets91.0555%419
Equity capital to assets7.9457%6,728
Core capital (leverage) ratio7.7339%6,609
Tier 1 risk-based capital ratio15.6205%3,323
Total risk-based capital ratio16.8162%3,311
Memoranda:
Average total assets$245,036,2502,586
Average earning assets$237,496,0002,431
Average equity$18,910,7503,300
Average total loans$148,648,5002,682
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2407%6,192
Cost of funding earning assets0.8993%4,679
Net interest margin3.3415%5,735
Noninterest income to average assets0.3318%5,238
Noninterest expense to average assets2.0838%6,628
Loan and lease loss provision to assets0.1144%4,859
Net operating income to assets0.9944%2,250
Return on assets (ROA)0.9986%2,340
Pretax return on assets1.3761%1,874
Return on Equity (ROE)13.0684%1,184
Retained earnings to average equity (ytd only)7.0903%1,838
Net charge-offs to loans0.1160%4,546
Credit loss provision to net charge-offs162.7907%1,862
Earnings coverage of net charge-offs (x)21.1279%1,161
Efficiency ratio58.3925%6,112
Assets per employee ($millions)3.9724%3,815
Cash dividends to net income (ytd only)*45.7447%1,841
Condition Ratios (%)
Loss allowance to loans1.1212%5,866
Loan loss allowance to noncurrent loans513.8462%649
Noncurrent assets plus other real estate owned to assets0.2175%6,573
Noncurrent loans to loans0.2182%6,469
Net loans and leases to total assets60.7775%4,131
Net loans and leases to deposits66.1238%4,988
Net loans and leases to core deposits69.7404%5,100
Total domestic deposits to total assets91.9147%254
Equity capital to assets7.8980%6,745
Core capital (leverage) ratio7.6067%6,664
Tier 1 risk-based capital ratio15.3543%3,321
Total risk-based capital ratio16.5543%3,301
Memoranda:
Average total assets$244,750,3302,603
Average earning assets$237,082,3302,458
Average equity$18,701,6703,304
Average total loans$148,276,3302,711
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2247%6,221
Cost of funding earning assets0.9148%4,818
Net interest margin3.3099%5,738
Noninterest income to average assets0.3171%5,386
Noninterest expense to average assets2.1157%6,598
Loan and lease loss provision to assets0.1301%4,375
Net operating income to assets0.9302%2,444
Return on assets (ROA)0.9302%2,506
Pretax return on assets1.2782%2,107
Return on Equity (ROE)12.3786%1,359
Retained earnings to average equity (ytd only)6.3408%2,447
Net charge-offs to loans0.1081%3,880
Credit loss provision to net charge-offs200.0000%1,479
Earnings coverage of net charge-offs (x)21.6500%1,075
Efficiency ratio60.0369%5,978
Assets per employee ($millions)3.9180%4,028
Cash dividends to net income (ytd only)*48.7762%1,517
Condition Ratios (%)
Loss allowance to loans1.1217%5,963
Loan loss allowance to noncurrent loans354.6039%876
Noncurrent assets plus other real estate owned to assets0.3565%6,313
Noncurrent loans to loans0.3163%6,357
Net loans and leases to total assets60.0940%4,243
Net loans and leases to deposits65.2964%5,077
Net loans and leases to core deposits69.9055%5,054
Total domestic deposits to total assets92.0326%275
Equity capital to assets7.6862%6,757
Core capital (leverage) ratio7.3994%6,793
Tier 1 risk-based capital ratio15.1095%3,367
Total risk-based capital ratio16.3070%3,354
Memoranda:
Average total assets$245,968,0002,600
Average earning assets$238,313,0002,463
Average equity$18,483,5003,330
Average total loans$147,943,0002,741
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6354%6,001
Cost of funding earning assets1.1822%4,664
Net interest margin3.4533%5,416
Noninterest income to average assets0.3412%5,352
Noninterest expense to average assets2.1041%6,834
Loan and lease loss provision to assets0.1511%5,690
Net operating income to assets1.0473%1,886
Return on assets (ROA)1.0510%1,966
Pretax return on assets1.4346%1,551
Return on Equity (ROE)13.8715%911
Retained earnings to average equity (ytd only)6.4316%1,599
Net charge-offs to loans0.1058%5,813
Credit loss provision to net charge-offs232.2581%1,269
Earnings coverage of net charge-offs (x)24.2968%869
Efficiency ratio57.1022%6,448
Assets per employee ($millions)3.8311%4,175
Cash dividends to net income (ytd only)*53.6342%1,900
Condition Ratios (%)
Loss allowance to loans1.0894%5,988
Loan loss allowance to noncurrent loans186.7052%1,606
Noncurrent assets plus other real estate owned to assets0.3642%6,358
Noncurrent loans to loans0.5835%5,883
Net loans and leases to total assets58.8856%4,873
Net loans and leases to deposits63.6979%5,663
Net loans and leases to core deposits70.0102%5,442
Total domestic deposits to total assets92.4452%194
Equity capital to assets7.3472%6,975
Core capital (leverage) ratio7.3707%6,806
Tier 1 risk-based capital ratio14.8477%3,341
Total risk-based capital ratio16.0453%3,330
Memoranda:
Average total assets$238,253,2002,654
Average earning assets$230,680,0002,520
Average equity$18,051,4003,418
Average total loans$146,564,6002,828
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7032%6,008
Cost of funding earning assets1.2453%4,601
Net interest margin3.4579%5,462
Noninterest income to average assets0.3458%5,399
Noninterest expense to average assets2.1214%6,806
Loan and lease loss provision to assets0.1528%5,512
Net operating income to assets1.0433%2,092
Return on assets (ROA)1.0471%2,187
Pretax return on assets1.4229%1,815
Return on Equity (ROE)13.7108%1,094
Retained earnings to average equity (ytd only)7.4853%1,603
Net charge-offs to loans0.1213%5,334
Credit loss provision to net charge-offs203.0075%1,752
Earnings coverage of net charge-offs (x)20.8645%1,150
Efficiency ratio57.4582%6,350
Assets per employee ($millions)3.6437%4,632
Cash dividends to net income (ytd only)*45.4052%1,828
Condition Ratios (%)
Loss allowance to loans1.0410%6,212
Loan loss allowance to noncurrent loans503.9088%603
Noncurrent assets plus other real estate owned to assets0.1296%7,032
Noncurrent loans to loans0.2066%6,769
Net loans and leases to total assets62.0919%4,511
Net loans and leases to deposits67.4682%5,493
Net loans and leases to core deposits75.1582%5,162
Total domestic deposits to total assets92.0314%188
Equity capital to assets7.7985%6,930
Core capital (leverage) ratio7.4063%6,932
Tier 1 risk-based capital ratio14.6409%3,434
Total risk-based capital ratio15.8336%3,436
Memoranda:
Average total assets$235,561,5002,719
Average earning assets$227,953,5002,584
Average equity$17,990,2503,472
Average total loans$146,142,7502,869
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7363%6,021
Cost of funding earning assets1.2986%4,548
Net interest margin3.4377%5,488
Noninterest income to average assets0.3419%5,416
Noninterest expense to average assets2.1086%6,877
Loan and lease loss provision to assets0.1531%5,369
Net operating income to assets1.0399%2,049
Return on assets (ROA)1.0437%2,107
Pretax return on assets1.4111%1,810
Return on Equity (ROE)13.7631%1,085
Retained earnings to average equity (ytd only)7.4816%1,642
Net charge-offs to loans0.1486%4,744
Credit loss provision to net charge-offs166.6667%2,354
Earnings coverage of net charge-offs (x)16.9722%1,375
Efficiency ratio57.4907%6,453
Assets per employee ($millions)3.7129%4,432
Cash dividends to net income (ytd only)*45.6398%1,851
Condition Ratios (%)
Loss allowance to loans1.0059%6,373
Loan loss allowance to noncurrent loans2,964.0000%135
Noncurrent assets plus other real estate owned to assets0.0210%7,355
Noncurrent loans to loans0.0339%7,235
Net loans and leases to total assets61.3779%4,803
Net loans and leases to deposits66.5571%5,740
Net loans and leases to core deposits74.2800%5,413
Total domestic deposits to total assets92.2183%187
Equity capital to assets7.6091%7,045
Core capital (leverage) ratio7.2273%7,051
Tier 1 risk-based capital ratio14.3619%3,511
Total risk-based capital ratio15.5540%3,515
Memoranda:
Average total assets$235,135,0002,750
Average earning assets$227,475,3302,604
Average equity$17,830,3303,486
Average total loans$145,321,6702,915
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7456%6,091
Cost of funding earning assets1.3632%4,400
Net interest margin3.3824%5,652
Noninterest income to average assets0.3437%5,391
Noninterest expense to average assets2.1189%6,888
Loan and lease loss provision to assets0.1539%4,993
Net operating income to assets1.0047%2,160
Return on assets (ROA)1.0073%2,217
Pretax return on assets1.3459%1,920
Return on Equity (ROE)13.3070%1,192
Retained earnings to average equity (ytd only)6.9585%2,153
Net charge-offs to loans0.2855%3,267
Credit loss provision to net charge-offs87.3786%3,715
Earnings coverage of net charge-offs (x)8.4951%1,955
Efficiency ratio58.6093%6,393
Assets per employee ($millions)3.6548%4,683
Cash dividends to net income (ytd only)*47.7080%1,531
Condition Ratios (%)
Loss allowance to loans0.9618%6,638
Loan loss allowance to noncurrent loans618.1416%532
Noncurrent assets plus other real estate owned to assets0.0951%7,247
Noncurrent loans to loans0.1556%7,029
Net loans and leases to total assets60.5542%5,031
Net loans and leases to deposits65.6764%5,858
Net loans and leases to core deposits74.4637%5,447
Total domestic deposits to total assets92.2008%207
Equity capital to assets7.4780%7,088
Core capital (leverage) ratio7.3580%6,982
Tier 1 risk-based capital ratio14.1494%3,568
Total risk-based capital ratio15.2994%3,588
Memoranda:
Average total assets$233,891,0002,825
Average earning assets$226,231,0002,674
Average equity$17,705,0003,538
Average total loans$144,317,5002,994
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1402%5,921
Cost of funding earning assets1.7997%3,996
Net interest margin3.3405%5,583
Noninterest income to average assets0.3788%5,385
Noninterest expense to average assets2.2102%6,969
Loan and lease loss provision to assets0.1240%6,398
Net operating income to assets0.9678%1,952
Return on assets (ROA)0.9753%1,984
Pretax return on assets1.2898%1,722
Return on Equity (ROE)12.7171%1,022
Retained earnings to average equity (ytd only)4.5551%2,066
Net charge-offs to loans0.1001%6,133
Credit loss provision to net charge-offs195.7746%2,022
Earnings coverage of net charge-offs (x)22.1620%972
Efficiency ratio61.1529%6,307
Assets per employee ($millions)3.7741%4,345
Cash dividends to net income (ytd only)*64.1812%1,815
Condition Ratios (%)
Loss allowance to loans0.9834%6,471
Loan loss allowance to noncurrent loans278.1065%1,100
Noncurrent assets plus other real estate owned to assets0.2311%6,887
Noncurrent loans to loans0.3536%6,565
Net loans and leases to total assets61.6689%5,065
Net loans and leases to deposits66.9801%5,949
Net loans and leases to core deposits86.4082%5,484
Total domestic deposits to total assets92.0706%256
Equity capital to assets7.6645%6,889
Core capital (leverage) ratio7.3820%6,909
Tier 1 risk-based capital ratio13.7453%3,662
Total risk-based capital ratio14.8936%3,666
Memoranda:
Average total assets$224,139,6002,886
Average earning assets$217,093,2002,741
Average equity$17,189,4003,636
Average total loans$141,923,2003,048
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1997%5,878
Cost of funding earning assets1.8989%3,896
Net interest margin3.3008%5,639
Noninterest income to average assets0.3809%5,469
Noninterest expense to average assets2.2238%6,914
Loan and lease loss provision to assets0.0988%6,377
Net operating income to assets0.9563%2,211
Return on assets (ROA)0.9654%2,231
Pretax return on assets1.2685%2,049
Return on Equity (ROE)12.5869%1,210
Retained earnings to average equity (ytd only)6.0124%1,943
Net charge-offs to loans0.0998%5,669
Credit loss provision to net charge-offs155.6604%3,062
Earnings coverage of net charge-offs (x)21.3490%1,203
Efficiency ratio62.1319%6,080
Assets per employee ($millions)3.9011%3,936
Cash dividends to net income (ytd only)*52.2333%1,916
Condition Ratios (%)
Loss allowance to loans0.9456%6,570
Loan loss allowance to noncurrent loans225.5499%1,319
Noncurrent assets plus other real estate owned to assets0.2842%6,788
Noncurrent loans to loans0.4193%6,497
Net loans and leases to total assets62.7955%5,107
Net loans and leases to deposits68.3917%6,098
Net loans and leases to core deposits87.9389%5,648
Total domestic deposits to total assets91.8173%203
Equity capital to assets7.9286%6,915
Core capital (leverage) ratio7.4554%7,028
Tier 1 risk-based capital ratio14.0172%3,541
Total risk-based capital ratio15.1248%3,563
Memoranda:
Average total assets$222,620,0002,922
Average earning assets$215,700,7502,776
Average equity$17,075,5003,686
Average total loans$141,558,2503,085
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2323%5,949
Cost of funding earning assets1.9919%3,814
Net interest margin3.2404%5,770
Noninterest income to average assets0.3700%5,551
Noninterest expense to average assets2.1876%7,087
Loan and lease loss provision to assets0.0943%6,224
Net operating income to assets0.9372%2,320
Return on assets (ROA)0.9474%2,385
Pretax return on assets1.2411%2,190
Return on Equity (ROE)12.4921%1,290
Retained earnings to average equity (ytd only)5.8375%2,099
Net charge-offs to loans0.0691%5,543
Credit loss provision to net charge-offs214.2857%2,147
Earnings coverage of net charge-offs (x)30.0408%997
Efficiency ratio62.3337%6,195
Assets per employee ($millions)3.6256%4,508
Cash dividends to net income (ytd only)*53.2701%1,922
Condition Ratios (%)
Loss allowance to loans0.9469%6,569
Loan loss allowance to noncurrent loans368.4211%857
Noncurrent assets plus other real estate owned to assets0.1788%7,098
Noncurrent loans to loans0.2570%6,875
Net loans and leases to total assets61.8956%5,376
Net loans and leases to deposits67.2590%6,270
Net loans and leases to core deposits86.1973%5,885
Total domestic deposits to total assets92.0257%208
Equity capital to assets7.5904%7,188
Core capital (leverage) ratio7.2898%7,255
Tier 1 risk-based capital ratio13.7507%3,656
Total risk-based capital ratio14.8529%3,679
Memoranda:
Average total assets$222,706,6702,941
Average earning assets$215,773,6702,802
Average equity$16,890,6703,736
Average total loans$141,756,0003,112
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3254%5,781
Cost of funding earning assets2.0415%3,916
Net interest margin3.2839%5,551
Noninterest income to average assets0.3573%5,588
Noninterest expense to average assets2.1293%7,052
Loan and lease loss provision to assets0.0812%5,925
Net operating income to assets1.0024%2,302
Return on assets (ROA)1.0105%2,406
Pretax return on assets1.3389%2,153
Return on Equity (ROE)13.3294%1,309
Retained earnings to average equity (ytd only)6.6409%2,358
Net charge-offs to loans0.1039%4,138
Credit loss provision to net charge-offs121.6216%3,237
Earnings coverage of net charge-offs (x)21.1081%1,346
Efficiency ratio60.1734%6,381
Assets per employee ($millions)3.6722%4,399
Cash dividends to net income (ytd only)*50.1786%1,755
Condition Ratios (%)
Loss allowance to loans0.9026%6,734
Loan loss allowance to noncurrent loans791.3580%479
Noncurrent assets plus other real estate owned to assets0.0906%7,320
Noncurrent loans to loans0.1141%7,201
Net loans and leases to total assets62.8319%5,184
Net loans and leases to deposits68.3031%6,151
Net loans and leases to core deposits88.3805%5,699
Total domestic deposits to total assets91.9899%189
Equity capital to assets7.5829%7,282
Core capital (leverage) ratio7.3516%7,320
Tier 1 risk-based capital ratio13.8260%3,680
Total risk-based capital ratio14.9066%3,682
Memoranda:
Average total assets$221,667,5002,968
Average earning assets$214,742,5002,825
Average equity$16,805,0003,769
Average total loans$142,403,0003,126
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8555%6,255
Cost of funding earning assets2.5539%3,934
Net interest margin3.3017%6,032
Noninterest income to average assets0.4048%5,429
Noninterest expense to average assets2.0973%7,245
Loan and lease loss provision to assets0.0263%7,073
Net operating income to assets0.9779%2,647
Return on assets (ROA)0.9846%2,495
Pretax return on assets1.4057%1,960
Return on Equity (ROE)12.7591%1,393
Retained earnings to average equity (ytd only)4.0693%2,597
Net charge-offs to loans0.0626%5,878
Credit loss provision to net charge-offs62.5000%6,198
Earnings coverage of net charge-offs (x)33.8182%1,075
Efficiency ratio59.5872%6,421
Assets per employee ($millions)3.7175%4,136
Cash dividends to net income (ytd only)*68.1068%2,268
Condition Ratios (%)
Loss allowance to loans0.8923%6,718
Loan loss allowance to noncurrent loans1,313.4021%409
Noncurrent assets plus other real estate owned to assets0.0442%7,408
Noncurrent loans to loans0.0679%7,231
Net loans and leases to total assets64.5162%5,169
Net loans and leases to deposits70.0994%6,270
Net loans and leases to core deposits90.2092%5,786
Total domestic deposits to total assets92.0353%130
Equity capital to assets7.5794%7,320
Core capital (leverage) ratio7.3714%7,338
Tier 1 risk-based capital ratio13.6366%3,731
Total risk-based capital ratio14.7140%3,741
Memoranda:
Average total assets$209,225,0003,013
Average earning assets$197,386,0002,920
Average equity$16,145,4003,902
Average total loans$140,533,4003,090